BMI Agent Quick Reference Guide
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ABOUT US COMPLETE
COVERAGE
POLICYHOLDER
SERVICES
BILLING AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
AGENT QUICK REFERENCE GUIDE
2019
VERSION TWO
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US
ABOUT US
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ALL THAT OUR
CUSTOMERS
DO IS ALL THAT
WE DO, TOO.
Builders Mutual values its responsibility to protect residential,
commercial, and trade contractors and offers unparalleled
service and relationships. Headquartered in North Carolina,
Builders Mutual provides insurance coverage exclusively to
the construction industry throughout the Mid-Atlantic and
Southeast. It’s not just our specialty. It’s all we do. We have
a history with the North Carolina Home Builders Association
and maintain strong partnerships with various industry
associations. From the groundbreaking to the ribbon cutting,
we stand by our customers, helping them avoid risks and
ensuring they enjoy a job well done.
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
The following coverage options are available for contractors in Florida:
*Builders Mutual’s focus in Florida is Workers’ Compensation. GL, Inland Marine, and Umbrella are reserved
for best-in-class risks with exceptional historical performance. Contact your Underwriter or Territory Manager
to discuss consideration on specifi c accounts.
• Workers’ Compensation
• General Liability*
• Inland Marine*
• Umbrella*
COMPLETE COVERAGE FOR CONTRACTORS
Builders Mutual provides a complete range of coverage options for residential,
commercial, and trade contractors, including:
MARKET FOOTPRINT
Builders Mutual partners with more than 700 independent agencies spread across Florida,
Maryland, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. We can also
provide coverage in Georgia and Washington, D.C.
• Workers’ Compensation
• Commercial Package Policy
• General Liability
• Property
• Inland Marine
• Crime
• Auto
• Builders Risk
• Umbrella
Florida-domiciled operations must be written by Florida resident agents.
For Georgia risks, please contact your Underwriter.
NOTE
ABOUT US
4
INDUSTRY PARTNERSHIPS
Builders Mutual maintains sponsorships with several builder and trade associations to show our
dedication to the industry we serve. Since many of our employees are highly involved in these
organizations and often serve on boards and special committees, these sponsorships represent
more than a fi nancial commitment; they’re also chances to get involved.
Sponsorships
Offi cial Safety Sponsor of National Association of Home Builders
Diamond Sponsor of North Carolina Home Builders Association
Premier Partner of Home Builders Association of Virginia
Premier Partner of Home Builders Association of South Carolina
Premier Partner of Home Builders Association of Tennessee
Bronze Sponsor of Maryland Building Industry Association
Corporate Sponsor of Hispanic Contractors Association of the Carolinas
Corporate Sponsor of Associated Builders and Contractors, Carolinas Chapter
Strategic Partner of Appalachian State University Brantley Risk & Insurance Center
ABOUT US
5
Builders Mutual is focused on the longevity of our company and
our ability to serve our customers now and in the years to come.
A (Excellent) rating by A.M. Best Company
JOB-SITE SAFETY INSTITUTE
The Job-Site Safety Institute (JSI) is a nonprofi t organization that was founded
and initially funded by Builders Mutual as a research and educational organization
dedicated to eliminating job-site-related injury and death in the construction
industry. The JSI vision is to provide practical safety solutions that save lives.
Incorporated in 2014, JSI brings together educational institutions and industry
leaders to help increase awareness of construction site dangers. The research
conducted by JSI will produce studies that guide safety practices, set new
standards, and infl uence worker behavior on job-sites.
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US
For more than 30 years, Builders Mutual has returned dividends to eligible
Workers’ Compensation policyholders who put safety fi rst. The total has
surpassed $55 million. We continue to provide fi nancial stability to our
policyholders and show steady, controlled growth as a company. This dividend
return is one way to recognize the strong results of both our policyholders
and our company.
Since 1984
Physical Address
Builders Mutual Insurance Company
5580 Centerview Drive
Raleigh, NC 27606
Main Mailing Address
Builders Mutual Insurance Company
PO Box 150005
Raleigh, NC 27624-0005
KEY CONTACTS
Builders Mutual understands that insurance is a business built on relationships. We believe
in taking a collaborative approach to writing new business, renewing accounts, and servicing
policies. Contact us today! We are ready to provide support and help you grow your business.
Claims Mailing Address
Builders Mutual Insurance Company
PO Box 150006
Raleigh, NC 27624-0006
For individual employee contact information, log in to buildersmutual.com
and click on Your Support Team.
Territory Manager
Your Territory Manager is the primary
liaison between your agency and
Builders Mutual and will serve as a
trusted advisor to help you meet
your sales goals.
Mid-Market Underwriter (UW)
Large Account Underwriter (UW)
Your Mid-Market UW will work with you
on accounts over $400,000 in payroll and
over $4 million in subcontracted costs.
For construction accounts over $250,000
in premium, your Large Account UW
will work with you to deliver the same
great coverage options and competitive
rating that you are accustomed to with
your mid-market accounts, bundled with
tailored services to support the unique
needs of large contractors.
Express Account Underwriter (UW)
Your Express Account UW will work
with you on accounts up to $400,000
in payroll and up to $4 million in
subcontracted costs.
SALES & UNDERWRITING
6
Agency Service Rep (ASR)
Your ASR will process quotes and issue new
business, endorsements, and renewals.
Your ASR works closely with your assigned
Express Account and Mid-Market UWs to
provide fast, accurate service.
ABOUT US
7
CUSTOMER CONTACT CENTER
800-809-4859
Available Monday through Friday, 8 a.m. to 6 p.m. EST.
IMPORTANT EMAILS
To ensure faster processing and response times, use the following email addresses:
newbusiness@bmico.com
endorsements@bmico.com
lossruns@bmico.com
audits@bmico.com
RISK MANAGEMENT
Visit buildersmutual.com/RM for specifi c Risk Management contact information.
AUDIT
Call the Customer Contact Center at 800-809-4859
Email us at audits@bmico.com
Visit buildersmutual.com/audit and click on Find an Auditor for contact information
for Builders Mutual auditors in your area.
CLAIMS
To Report a Claim
Call 800-809-4862 to be connected with a representative.
Email noticeofl oss@bmico.com
Fax 919-227-0204
Visit the Builders Mutual Claims Center at buildersmutual.com/claims
to report a claim online.
State-specifi c claims forms are also available in the Claims Center.
To Manage Claims
Call Claims Support 800-809-4861
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
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ABOUT US
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ABOUT US
CLASSIFICATION
Trade
Contractor Workers’
Comp. General
Liability
Comm.
Auto Property
Carpentry – Framing (No new ventures)
Carpentry – Modular Housing, Not Mobile Homes
(For Trade, contact your Underwriter)
Carpentry – Remodeler – No Fire or Water Restoration or
Major Renovation; Limited Scope
Carpentry – Residential; includes new construction
(single-family dwellings 3 stories or less), additions, decks,
porch/patio enclosures and remodelers (For Trade,
contact your Underwriter)
Carpentry – Siding
Carpentry Installation of Cabinet Work or Interior Trim;
Countertop and Cabinet Installation; hardwood fl oor
fi nishing and installation
Carpentry Multi-Family Dwellings 3 Stories or Less
(For Trade, carpentry not involving building structures.
Contact your Underwriter.) (Applies in DC, FL, and VA
only for Workers’ Comp.)
Carpentry NOC (For Trade, carpentry not involving
building structures)
Carpentry Shop Only & Drivers
Carpet/Floor Covering Installation – (WC binding authorized
only if no unins. subs used)
Carpet, Rug, Furniture Upholstery Cleaning –
On Customer’s Premises
Ceiling Installation Suspended Acoustical – other than metal
Ceiling Installation Suspended Acoustical – metal
Central Vacuum Systems – Residential
Concrete – Floors, Driveways, or Sidewalks
Concrete Construction NOC – 3 stories or less
Concrete Construction Residential – footings and
foundations; no foundation repair
Concrete Power Washing – no height exposure
Conduit Construction Including Drivers
Debris Removal – in connection with construction operations
only, no building demolition work
Door Installation
Drywall/Sheetrock Contractor
Electrical Apparatus Installation – within buildings;
no work above 480 volts and/or no industrial work.
Electrical Contractor – no work above 480 volts and/or
no industrial work.
Excavating Contractor – Commercial or Multi-Occupancy
Structures, no logging/tree removal or demolition
Excavating Contractor – Single Family Dwellings,
no logging/tree removal or demolition
Executive Supervisors Construction Manager Construction
Superintendent (Single Family Dwellings)
Fence Installation and Repair
Garage Doors – Wood
Gas Construction
Glazier Away From Shops & Drivers
9
BUILDERS MUTUAL APPETITE GUIDE
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Air Conditioning Systems or Equipment – Dealers or
Distributors and Installation, Servicing or Repair
Appliances and Accessories Installation, Servicing or Repair
– Commercial (Contact your Underwriter)
Appliance Installation, Servicing Or Repair - Household
Architectural or Engineering Firm (as a governing class)
Associations – HBA (No Habitat for Humanity)
Automatic Sprinkler Installation & Drivers – Fire Suppression
Building Material Dealer – no repairs, no sales of used items
Burglar Alarm/Security System Installation or Repair
& Drivers – No Monitoring
Cabinet Works w/Power Driven Machinery
Cabinets/Vanities – No Power Woodworking
Cable TV & Telephone Service Connection (customer’s
premises only) – WC considered only if no overhead
work – including no pole climbing and no work from
ladder or bucket truck
Cable TV & Telephone Service Connection (line construction
work) – WC considered only if no overhead work – including
no pole climbing and no work from ladder or bucket truck
Cable/Phone/Intercom Installation (Communication
Equipment Installation) – Limited height exposure;
no pole to pole, limited work from ladder or bucket truck,
no line contractors – TV & Telephone Service Connection
(Contact your Underwriter)
ABOUT US
APPETITE GUIDE
As a niche carrier dedicated to the construction industry, our target market includes
construction and construction-related classes. The ratings in our Appetite Guide should be used
as a general reference. When in doubt about a particular risk, consult your Underwriter prior to
binding coverage. Any classifi cation not listed should be considered as Undesirable.
For incidental employee exposures outside our footprint (DC, FL, GA, MD, MS, NC, SC, TN,
and VA), coverage is available. Please speak with your Underwriter for details.
The following 10 Workers’ Compensation classes continue to represent the top-performing
trades and have a proven history of solid performance with Builders Mutual.
5403 Carpentry - NOC Commercial
5437 Carpentry - Interior Trim
5645 Carpentry - Residential
5102 Door/Sash Erection
5190 Electrical Wiring
6217 Excavation
5478 Floor Covering
5479 Insulation
5474 Painting or Paperhanging
5551 Roofi ng
Best Performing Workers’ Compensation Classes
Preferred Considered Undesirable
Trade
Contractor Workers’
Comp. General
Liability
Comm.
Auto Property
CLASSIFICATION BUILDERS MUTUAL APPETITE GUIDE
8
*post-survey at Underwriter’s discretion **pre-survey required
In Florida, pre-surveys are required on framing, roofing, siding,
drywall, masonry, concrete and other high-hazard classes.
*post-survey at Underwriter’s discretion **pre-survey required
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
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ABOUT US
CLASSIFICATION
Grading Contractor – no logging/tree removal or demolition
Gutter Installation
Handyperson (Contact your Underwriter)
Home Furnishings Installation
Home Inspectors
HVAC Equipment Dealers or Distributors & Installation,
Servicing or Repair
Insulation (Organic or Plastic in Solid State; Includes Foam)
Interior Designers (For Trade, contact your Underwriter)
Iron or Steel Erection Construction of Dwellings 2 Stories
Iron or Steel Fabrication Shop – Railings, balconies, fi re
escapes, staircases
Iron Works Fabrication – Ornamental
Irrigation/Drainage System
Janitorial Services – Construction-related (No residential
or offi ce janitorial services)
Landscaping Gardening & Drivers (No DOT work)
Lathing & Drivers
Lawn Maintenance
Masonry Contractor – less than 3 stories
Metal Erection Decorative or Artistic, Door, Door Frame
or Sash Erection
Metal Erection in the construction of dwellings
not exceeding 2 stories
Metal Erection – Non-Structural
Millwright Work NOC & Drivers Including HVAC – No industrial
machinery or repair; any crane operation conducted by insured
must be through insured subcontractors
Nursery – Plants
Ornamental Metal Works (for Trade, Decorative or Artistic)
Painting – Exterior – less than 3 stories
Painting – Shop Only
Painting/Paper Hanging – Interior
Paper Hanging & Drivers – No Painting
Pest Control
Phone/Cable/Intercom/Wireless – Residential Installation;
No height exposure
Pile Driving
Plastering NOC & Drivers
Plumbing Contractor – No Sprinkler Installation (Commercial
– No boiler work)
Plumbing Contractor – No Sprinkler Installation (Residential)
Power Washing – Decks and Houses
Project or Construction Manager
Property Management
Trade
Contractor Workers’
Comp General
Liability
Comm.
Auto Property
10
BUILDERS MUTUAL APPETITE GUIDE
ABOUT US
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Real Estate Agent; only undesirable as a governing class and
not in conjunction with a carpentry or construction code
Remodeler – No Fire or Water Restoration or Major
Renovation; Limited Scope
Real Estate Appraiser
Retail Dealers
Roofi ng Contractor – consult Underwriting Guidelines
Septic Tanks
Septic Tank Cleaning
Septic Tank Installation/Service & Repair
Sewer Construction All Operations & Drivers
Sheet Metal Works – Outside (Sheet Metal Shop/Install)
Siding
Spa/Whirlpool Installation
Stone Cutting/Polishing
Stone/Brick/Masonry Contractor
Street/Road Construction: Paving or Repaving and Drivers –
Residential-related; No Freeways, Highways or Major Metro
Areas; no bridge/tunneling work
Stucco Contractor – No Application of Waterproof Sealants
Surveying/Land Planning Contractor
Swimming Pool Construction – Above Ground
Swimming Pool Servicing (No Construction)
Telephone Cable Installation – (WC considered only if
no overhead work including no pole climbing and no work
from ladder or bucket truck)
Telephone or Fire Alarm Line Construction & Drivers
Tile, Stone, Mosaic or Terrazzo Work Interior Construct Only
Tree Removal
Water Main Construction – Residential Only; no gas construction
Waterproofi ng Contractor – Commercial (WC considered
only if no work at height, such as from ladders, scaffolds,
harnesses, boom/bucket lifts, etc.)
Welding or Cutting NOC & Drivers
Wholesale Dealer/Distributor – Construction-Related Only
CLASSIFICATION
ABOUT US
Trade
Contractor Workers’
Comp General
Liability
Comm.
Auto Property
11
BUILDERS MUTUAL APPETITE GUIDE
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE
COVERAGE
COMPLETE COVERAGE
COMPLETE
COVERAGE
ABOUT US BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
WORKERS’ COMPENSATION
For residential, commercial, and trade contractors, a Builders Mutual Workers’ Compensation
insurance policy protects a company’s most valuable asset – its employees. Accidents happen,
and when they do, you want an insurance company focused on getting injured workers the
medical care and rehabilitation they need to get back on the job-site.
SAFETY PAYS
Builders Mutual consistently returns dividends to eligible policyholders who put safety fi rst.
The dividend distribution is based on the fi nancial results of each year, and while a dividend
distribution is not guaranteed, traditional eligibility criteria are listed below:
• The Workers’ Compensation policy must be active on January 1 of the distribution year
• The policy must have maintained 24 months of consecutive coverage
• The policyholder’s loss experience must be less than 50%
With underwriting approval, we offer fl at and variable dividend plans for
eligible policyholders.
Flat Dividend Plan
Any dividend for which the account may be eligible according to the plan
selected at policy inception. See agency manual for fl at dividend table.
FLORIDA-SPECIFIC DIVIDEND OPTIONS
Variable Dividend Plan
Any dividend for which the account may be eligible shall vary according to
the premium size and actual loss experience during the subject policy period.
For examples, see agency manual and variable dividend table.
14
GENERAL LIABILITY
Builders Mutual offers two General Liability (GL) products: our Trade Contractor Program
and our Standard General Liability policy. Both of these GL products include the General
Liability Enhancement Endorsement. The common coverages needed to issue a Certifi cate
of Insurance, and to comply with most construction contractual insurance requirements, are
included in every GL policy we issue – at no additional charge.
During quoting in Builders Online Business, a short series of questions will be asked that will
determine whether the risk qualifi es for the Standard GL or Trade Contractor Program.
TRADE CONTRACTOR PROGRAM
With our Trade Contractor Program, policyholders enjoy a lower composite rate with no
maximum payroll limitation. The policy does not include the exclusion for damage to work
performed by subcontractors on your behalf (CG2294). The corresponding Commercial
Umbrella policy does not include the same exclusion (CU2264).
Trade Contractor Eligibility
Three years of prior experience desired
Minimum annual payroll, per individual, owner, partner, or offi cer, varies by state
Exterior operations must be three stories or less
Subcontract less than 25% of work
Subject to underwriting eligibility criteria
COMPLETE COVERAGE
MULTI-LINING ACCOUNTS
At Builders Mutual, we are here to help you provide the best products to your customers.
Our full suite of coverages is designed specifi cally for the construction industry.
Our enhancement endorsements add coverages that make COI issuance a breeze. We are
pleased to offer these enhanced coverages for General Liability, Property, and Auto policies.
Multi-lining accounts isn’t just a good idea. It is shown to be more effective for retaining
accounts and measuring loss ratio. We compared results from the last four operating years and
discovered that multi-line accounts perform 5.6% better in retention and 6.1% better in loss
ratio than mono-line accounts. Would you like to grow your book of business? Multi-lining with
Builders Mutual is something to consider.
Review your Agency Snapshot report and work with your Territory Manager to multi-line your
existing customers’ accounts with Builders Mutual.
15
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
COVERAGE ENHANCEMENTS
As we work with you to multi-line accounts and grow your book of business, we are pleased to
offer these enhancement endorsements for General Liability, Property, Auto and Hired Auto,
and Non-Owned Liability policies.
GENERAL LIABILITY ENHANCEMENT ENDORSEMENT
This form is automatically added to all General Liability
and Trade Contractor policies at no charge.
The most common coverages needed to issue a Certifi cate of Insurance for contractors are
included with our enhancement endorsement, as shown in the highlights below.
AVAILABLE IN ALL STATES
GENERAL LIABILITY COVERAGE
Bodily Injury – Mental Anguish Included
Off-Premises Care, Custody, or
Control Coverage
$25,000
Incidental Medical Malpractice Included
Amendment of Insured Contract Defi nition Included
Liberalization Clause Included
Unintentional Failure to Disclose Hazards Included
Lost Keys of Others $500 Occurrence/$1,500 Aggregate
Medical Payments $15,000
Broadened Mobile Equipment* Included
Newly Formed or Acquired Organizations Included
Non-Owned Aircraft Included
Watercraft Coverage Enhancement Included
Aggregate Limits Per Project Included
Personal and Advertising Injury –
Electronic Publication
Included
Property Damage Liability –
Borrowed Equipment
$25,000
Supplementary Payments (Bail Bonds)
Enhancement
$5,000
Damage to Premises Rented to You Limit $500,000
Knowledge of an Occurrence, Claim, or Suit Included
Voluntary Property Damage Coverage $5,000 Occurrence/$10,000 Aggregate
Waiver of Transfer of Rights of
Recovery Against Others
Included
16
*NOTE In VA, street cleaning is considered an auto, not mobile equipment.
AUTO ENHANCEMENT ENDORSEMENT
This form is automatically added to all
Auto policies at no charge.
Issuing certifi cates of insurance is made easy with automatically included Blanket Additional
Insureds and Waiver of Subrogation. Primary non-contributary is built into the Auto enhancement
form. Additional coverages designed specifi cally for the contractor are highlighted below.
NOT AVAILABLE IN FLORIDA
COMPLETE COVERAGE
GENERAL LIABILITY COVERAGE Continued
Duties in the Event of Occurrence,
Offense, Claim, or Suit
Included
Primary and Non-Contributory –
Other Insurance Condition
Included
The Blanket Additional Insured – Ongoing and Blanket Additional Insured –
Completed Ops/Products are also automatically attached to all GL policies,
making COI issuance easier than ever!
Blanket Additional Insureds Included
Employee Hired Auto:
• Liability
• Physical Damage
Included
Included
Limited Liability Company as an Insured Included
Newly Acquired or Formed Entities Included
Supplementary Payments:
• Bail Bonds
• Reasonable Expenses Due to Our Request
$3,000
$500 Per Day
Hired Autos Physical Damage:
• Loss of Use
Lesser of $50,000 or ACV*
$75 Per Day/$750 Per Loss
AUTO ENHANCEMENT ENDORSEMENT COVERAGE
Towing and Labor
Private Passenger Types/“Light Trucks”
$75 Per Disablement/$300
Other than Private
Passenger Types/“Light Trucks”
$150 Per Disablement/$300
Personal Effects $500
Transportation Expenses –
All Vehicle Types
• Temporary Transportation
• Return of Stolen Auto
$75 Per Occurrence/$750 Total
$5,000
Rental Reimbursement:
• Private Passenger Types/“Light Trucks” $75 Per Day/$750 Per Occurrence
*NOTE VA $20/day, $600 max.
17
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
Electronic Equipment Included
Loan/Lease Gap Coverage Included
Glass Repair* Comprehensive Deductible Waived
Waiver of Subrogation Included
Unintentional Omissions** Included
AUTO ENHANCEMENT COVERAGE Continued
OPTIONAL CGL HIRED AUTO AND NON-OWNED
AUTO LIABILITY ENDORSEMENT
This form can be added to a Standard or Trade Contractor
General Liability policy for a fl at fee of $200.
• As long as the insured has no existing Commercial Auto policy, simply add this
form to the existing General Liability policy.
• Make your contractor happy with just one policy and one bill.
AVAILABLE IN ALL STATES
*NOTE Not included in SC enhancement, as SC is a zero deductible state for glass claims.
**NOTE Not included in VA enhancement; this is automatically included in policy.
PROPERTY ENHANCEMENT
With Business Income and Extra Expense
This form is automatically added to all
Property policies at no charge.
Business Income and Extra Expense is now included on a 12-month actual loss sustained (ALS)
basis. At Underwriter’s discretion for certain class codes, ALS may not be available. Additional
coverages designed specifi cally for contractors are highlighted below.
NOT AVAILABLE IN FLORIDA
PROPERTY ENHANCEMENT COVERAGE
Arson, Theft, and Vandalism Reimbursement $10,000
Brands and Labels $25,000
Business Income and Extra Expense –
Actual Loss Sustained
Valuation:
• Fabricator’s/Manufacturer’s Selling
Price Valuation
• Replacement Cost Valuation for
Personal Property of Others
Included
$10,000
Fire Extinguisher Recharge Expense $5,000
Fire Department Service Charge $5,000
Newly Acquired or Constructed Property:
• Building
• Personal Property
$1,000,000
$500,000
18
Newly Acquired Location – Business Income
and Extra Expense
$250,000
Valuable Papers and Records –
Cost of Research
$30,000
Property Off Premises $20,000
Non-Owned Detached Trailers $10,000
Outdoor Fences $10,000
Outdoor Signs $10,000
Outdoor Trees, Shrubs, and Plants
(Subject to a $1,000 Per Item Limitation)
$10,000
Radio and Television Receiving Equipment $10,000
Refrigerated Property $10,000
Ordinance or Law Coverage:
• Loss to the Undamaged Portion
of the Building
• Demolition Costs
• Increased Cost of Construction
Included
$50,000
$50,000
Pollutant Cleanup and Removal $25,000
Property In Transit $25,000
Backup of Sewers and Drains $25,000
Contractors’ Tools and Equipment
and Equipment of Others
• Tools in a Locked Vehicle
$5,000
$1,000
Accounts Receivable $25,000
Claim Data Expense $25,000
Computers and Media $25,000
Fine Arts $25,000
Installation Property $25,000
Employee Theft (Including Forgery
or Alteration)
$25,000
Computer Fraud $25,000
Lock Replacement $5,000
Money, Securities, and Stamps (Inside/Outside) $5,000
Electronic Data* $2,500
PROPERTY ENHANCEMENT COVERAGE Continued
COMPLETE COVERAGE
19
*NOTE Not included in VA enhancement; this is automatically included in policy.
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
Valuable Papers and Records –
Cost of Research $50,000
Property Off Premises $50,000
Property in Transit $50,000
Backup of Sewers and Drains $50,000
Contractors’ Tools and Equipment and
Equipment of Others:
• Tools in a Locked Vehicle
$10,000
$5,000
Accounts Receivable $50,000
Installation Property $50,000
Lock Replacement $10,000
Money, Securities, and Stamps
(Inside/Outside) $10,000
PROPERTY ENHANCEMENT PLUS
With Business Income and Extra Expense
This form can be added to Property policies to
upgrade coverage for a $250 charge.
NOT AVAILABLE IN FLORIDA
COMPLETE COVERAGE
UMBRELLA PRODUCT ENHANCEMENT HIGHLIGHTS
Our new umbrella rating is not available online. Please note these important underwriting
guidelines when submitting an application:
• The Umbrella policy limit can be written up to $10 million.
• The minimum retained limit is $10,000.
• The General Liability policy must be written with Builders Mutual with minimum limits of
$1,000,000 per occurrence and $2,000,000 aggregate.
• Underlying coverage minimum requirements include $1,000,000 Commercial Auto
Combined Single Limit and 500/500/500 for Employer’s Liability.
• Commercial Auto and Employer’s Liability may be written by an AM Best A (Excellent) rated
company with a fi nancial rank of VII as long as the policy is written on an ISO form.
• Concurrent policy expiration dates are mandatory for the Umbrella and General Liability
policies. Concurrency in Workers’ Compensation, Employer’s Liability, and Commercial Auto
policies is preferred.
• An Umbrella Policy Minimum Premium Chart is included online in Rule 39 of the Umbrella
Additional Rules sections.
UPGRADED COVERAGE HIGHLIGHTS
20
MOST COMMONLY USED FORMS
WC Waiver of Subrogation Add using form WC 000313. No Charge
WC Blanket Waiver of
Subrogation
Add using form WC 9801.
NC and FL add using form WC 000313.
No Charge
WC Notice of Cancellation Add using form WC 3206 in NC.
WC 9900 10 01 for all other states.
No Charge
GL Enhancement Automatically added form CG 7051.
VA – CG 7055
Provides coverage for:
• Aggregate Limits Per Project
• Primary Non-Contributory
• Waiver of Subrogation
Please review enhancements for
further coverages and limits.
No Charge
GL Hired Auto and
Non-Owned Liability
Add using form CA 7049.
• Paired with the GL policy when no
commercial auto policy exists. Will
eliminate a bill and streamline coverage.
$200
GL Waiver of Subrogation Add the certifi cate holder specifi cally if the
blanket version in the the enhancement listed
above is not acceptable.
$250
GL Named Additional
Insured
Ongoing Operations
Add a certifi cate holder with form CG 2010.
Products-Completed Operations
Add a certifi cate holder with Builders Mutual
form CG 7026.
CG 2037 is also available.
Builders Mutual only charges on the fi rst fi ve
CG 2010 and CG 2037 forms per policy.
$50
$25
$250
GL Blanket Additional
Insured
Both automatically included with
Enhancement CG 7051.
Ongoing Operations
Automatically added to every policy using
form CG 7034 (CG 2010 equivalent).
Products-Completed Operations
Automatically added to every policy using
form CG 7024 (CG 2037 equivalent).
No Charge
No Charge
GL 30-Day Notice of
Cancellation
Can be added to policies with good
payment history using form IL 6006.
No Charge
COMPLETE COVERAGE
21
COMPLETE
COVERAGE
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
Auto Enhancement Automatically added form CA30 00
(CA 30000714sc for SC).
SC – CA 30000714sc
VA – CA 30 00 07 14VA
Provides coverage for:
• Blanket Additional Insured/
Primary – Non-Contributory
• Glass Repair
• Waiver of Subrogation (Blanket)
Please review enhancements for further
coverages and limits.
No Charge
Auto 30-Day Notice of
Cancellation
Can be added to policies with good payment
history using form IL 6006.
No Charge
Auto Named Additional
Insured
Can add using form CA 2048. No Charge
Property Property
Enhancement
Standard
Property
Enhancement
PLUS
Property Enhancement with Business Income
and Extra Expense. Automatically attached.
SC, TN – IL1601
NC – IL6014
MD – IL6022
DC, GA, MS – IL6018
VA – IL6025, IL6027
Provides the following:
• Business income and extra expense –
12-month ALS
• Installation property
• Contractors’ tools and equipment of others
• Backup of sewers and drains
• Property in transit
Enhancement Plus with Business Income and
Extra Expense.
SC, TN – IL6011
NC – IL6015
MD – IL6023
DC, GA, MS – IL6019
VA – IL6026, IL6028
Provides higher limits on 10 additional
coverages beyond those offered in the
standard enhancement including:
• Valuable Papers and Records
(Cost of Search)
• Property Off Premises – Property in Transit
• Accounts Receivable – Installation Property
• Backup of Sewer and Water
• Contractors’ Tools and Equipment and
Equipment of Others
• Money, Securities, and Stamps
(Inside/Outside)
• Lock Replacement
Please review enhancements for further
coverages and limits.
No Charge
$250
MOST COMMONLY USED FORMS Continued
COMPLETE COVERAGE
22
Builders Risk provides fl exible, comprehensive coverage during the course of construction.
Coverage includes property, scaffolding and temporary structures, and theft of materials, and
it can include profi t. Builders Risk also features coverage that extends beyond the dwelling or
structure, such as debris removal, pollution cleanup and removal, and fences, trees, and outdoor
property. Coverage is also available for remodelers, unsold dwellings, model homes, and
contents.
We offer both reporting form and One-Shot options.
Builders Mutual targets Residential, Commercial, Model Homes, and Remodeling with
our Enhanced Builders Risk One-Shot. We will write up to $5 million residential and
$15 million commercial.
Looking for a fast response? Complete an EBR One-Shot policy today. The EBR One-Shot is
written online via BOB, and when criteria are met for straight-through processing, the agent can
immediately print a Certifi cate of Insurance with the policy number.
Risks that meet the criteria listed below will go straight through. No paper applications must be
submitted. However, signed applications must be kept in the agent’s offi ce.
• Less than $3 million
• Protected classes 1-8
• No wind exposure
• New construction
• No Builders Risk losses
• No earthquake coverage requested
• No more than one building per location
When special circumstances apply, the homeowner can be listed as the fi rst named insured.
Contact your Underwriter for more details.
WHY DO YOU NEED BUILDERS RISK?
ENHANCED BUILDERS RISK ONE-SHOT
Builders Risk reporting forms are currently available for residential builders with more than
10 starts a year. We offer monthly reporting with a monthly rate or an annual rate. For a builder
with an average project completion of four months or less, the monthly rate is the best option.
Each month, the insured reports the existing homes still under construction, the homes that
have been completed, and any new locations. Coverage begins and continues according to the
monthly report. Since reporting form ratings are not available online, please contact
your Underwriter for a quote.
NOT AVAILABLE IN FLORIDA
MONTHLY REPORTING
COMPLETE COVERAGE
23
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
Need more coverage?
Higher limits are available for additional premium. No deductible applies to these
Supplemental Coverages. The following Supplemental Coverages are offered in package form.
ENHANCED BUILDERS RISK ONE-SHOT
COMPLETE COVERAGE
Pro Rata Cancellation
We will provide pro rata return on the fi rst year, once the minimum premium ($350) is met.
We will provide a full pro rata return in the second year and beyond for residential construction.
There is no minimum premium requirement in order to prorate a commercial risk.
Renewal
EBR One-Shot coverage will automatically end 12 months from the inception date unless the policy is
renewed and additional premium paid. To renew policies for a second term, the agent can send a request
to endorsements@bmico.com containing the EBR One-Shot policy number(s) the insured would like to
renew prior to the expiration date.
24
Scaffolding $5,000 $25,000 $50,000 $100,000
Debris Removal $10,000 $25,000 $50,000 $100,000
Backup of Sewers or Drains $5,000 $25,000 $50,000 $100,000
Fire Department Service Charge $10,000 $25,000 $50,000 $100,000
Valuable Papers $10,000 $25,000 $50,000 $100,000
Pollutant Cleanup and Removal $15,000 $15,000 $15,000 $15,000
Reward $10,000 $25,000 $50,000 $100,000
Property at Temporary Storage $25,000 $75,000 $150,000 $250,000
Property in Transit $10,000 $25,000 $50,000 $100,000
PREMIUM CHARGE ADDED
TO BASE RATE INCLUDED $125 $250 $500
PACKAGE A PACKAGE B PACKAGE C PACKAGE D
COMPLETE COVERAGE
CLARIFYING OUR POSITION
As we work with you to write multi-line accounts, we believe
it’s important to clarify our position on important topics like
Construction Defect and Windstorm Guidelines. The following
reference tools were created to help you better understand our
position and include criteria we use to evaluate exposures.
25
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
CONSTRUCTION DEFECT
CG2294 Removal Consideration Criteria
As experts in construction insurance, we have a strong understanding of construction
defect issues. When considering removal of the CG2294, we vary our approach based
on location and risk type.
Our Trade Contractor Program does not include the exclusion for damage to work
performed by subcontractors on your behalf (GC2294). The corresponding Commercial
Umbrella policy does not include the same exclusion (CU2264).
NOTE
DC, MD, VA Most favorable
GA, NC, TN Favorable
FL, MS, SC Least favorable
26
COMPLETE COVERAGE
CONSTRUCTION DEFECT
We will partner with you to review each risk according to the guidelines below.
DC, MD, VA and GA, NC, TN
• Commercial Trade Contractors (TC) whose subcontracted work is <50%
• Commercial General Contractors (GC) using 100% insured subs
- Prior or current habitational or residential work NOT eligible
• Residential TC whose subcontracted work is <50%
• Residential GC specialized in custom building
- Coastal counties NOT eligible
- Tract builders NOT eligible
FL, MS, SC
• Commercial TC whose subcontracted work is <50%
• Commercial GC using 100% insured subs
- Prior or current habitational or residential work NOT eligible
- Residential TC whose subcontracted work is <50%
• NOTE: Residential GCs are not eligible for consideration
The risk must also meet the following criteria:
• Minimum three years of prior insurance coverage and implemented subcontractor
agreements for at least three years
• Provide project list with description of the construction type
- DC, MD, VA three-year project list
- GA, NC, TN fi ve-year residential or three-year commercial
- FL, MS, SC seven-year project list
• No prior construction defect claims (for any type of residential construction)
• Quality control program with daily inspections and punch list signoff
• Risk transfers maintained
- Additional insured endorsements CG 2010 07 04 and CG 2037 07 04 or equivalent
- Limits equal to our insured’s GL limits of $1M/$2M
- 30-day notifi cation of coverage, reduction, or cancellation
- Waiver of Subrogation
- Retain coverage for at least three years
• General Liability loss ratio not to exceed 50%
• Good fi nancial standing
27
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
WINDSTORM GUIDELINES
Managing property exposure in coastal regions is critical. The windstorm
maps included apply for both PROPERTY and BUILDERS RISK policies.
28
COMPLETE COVERAGE
HWY 113
HWY 13
MARYLAND
Beach Area Not eligible for property coverage.
• Assateague Island
• Ocean City
Coastal Plain Standard 2% wind deductible.
• East of HWY 113 or 13
(Whichever is nearest the coast)
Inland No wind restrictions.
• Remainder of the state
NOTE Coastal restrictions do not apply to risks with business personal
property only valued at $25,000 or less. All submissions subject to UW
guidelines and approval.
29
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
Beach Area Not eligible for property coverage.
Less than 1,000 feet from the coast in the
following counties:
• Hancock
• Harrison
• Jackson
Coastal Plain Not eligible for wind coverage.
• Hancock
• Harrison
• Jackson
• George
• Pearl River
• Stone
Inland No wind restrictions.
NOTE Coastal restrictions do not apply to risks with business personal
property only valued at $25,000 or less. All submissions subject to UW
guidelines and approval.
• Remainder of the state
MISSISSIPPI
30
NOTE Coastal restrictions do not apply to risks with
business personal property only valued at $25,000 or less.
All submissions subject to UW guidelines and approval.
Beach Area Not eligible for property coverage.
• Outer Banks
Coastal Plain Not eligible for wind coverage.
Inland East Standard 2% wind deductible.
Inland West No wind restrictions.
• Remainder of the state
• Beaufort
• Brunswick
• Camden
• Carteret
• Chowan
• Currituck
• Beaufort
• Brunswick
• Camden
• Carteret
• Chowan
• Currituck
• Dare
• Hyde
• New Hanover
• Onslow
• Pamlico
• Pasquotank
• Dare
• Hyde
• New Hanover
• Onslow
• Pamlico
• Pasquotank
• Pender
• Perquimans
• Tyrrell
• Washington
• Pender
• Perquimans
• Tyrrell
• Washington
Less than 1 mile from the coast in the
following counties:
Greater than 1 mile from the coast in the following
zip codes:
COMPLETE COVERAGE
31
NORTH CAROLINA
ABOUT US COMPLETE
COVERAGE BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
COMPLETE COVERAGE
Coastal Plain and Inland East zip
codes detailed below.
NOTE
VIRGINIA
Beach Area Not eligible for property coverage.
• Accomack
• Northampton
Coastal Plain Not eligible for property coverage.
Inland East Not eligible for property coverage.
Inland West No wind restrictions.
• Remainder of the state
• 23451
• 23456
• 23457
• 23455
• 23503
• 23511
• 23518
• 23607
• 23459
• 23461
• 23651
• 23661
• 23662
• 23663
• 23664
• 23669
• 23692
• 23696
• 23703
Less than 2 miles from the coast in the
following zip codes:
Less than 2,000 feet from the coast in the
following zip codes:
NOTE Coastal restrictions do not apply to risks with
business personal property only valued at $25,000 or less.
All submissions subject to UW guidelines and approval.
33
COMPLETE COVERAGE
SOUTH CAROLINA
32
Beach Area Not eligible for wind coverage.
Rule: These are eligible for the wind pool and as a result are not eligible
for Wind coverage with BMIC. Visit www.scwind.com/EligibilityCheck.asp
to verify eligibility.
• Horry
- East of HWY 17 business or bypass (whichever is further west)
Coastal Plain Standard 2% wind deductible.
• Horry
• Georgetown
• Charleston
• Colleton
• Beaufort
NOTE Coastal restrictions do not apply to risks with
business personal property only valued at $25,000 or less.
All submissions subject to UW guidelines and approval.
• Colleton
• Georgetown
• Beaufort
• Charleston
- East of the Intracoastal Waterway from the northern border of the City
of Charleston to the Georgetown County border
- Edisto Island, Edingsville Beach, Kiawah Island, Botany Bay,
Folly Island, Seabrook Island, Morris Island
- East of the Intracoastal Waterway
Inland No wind restrictions.
• Remainder of the state
BILLING
COMPLETE
COVERAGE
ABOUT US POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
BILLING
BILLING
BILLINGABOUT US COMPLETE
COVERAGE
POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
Builders Mutual does not charge installment fees
on our 2-Pay, 4-Pay, or 10-Pay payment plans.
20% of total (premium + expense constant*) is due at application,
and customer is billed the remainder over nine installments.
*The expense constant applies to Workers’ Compensation policies only.
25% of total (premium + expense constant*) is due at application,
and customer is billed the remainder over three installments.
50% of total (premium + expense constant*) is due at application,
and customer is billed the remainder in the fi fth month, with payment
due the sixth month.
100% due at application.This is required when the estimated annual
premium is $1,000 or less.
PAYMENT PLANS
Builders Mutual offers a variety of fl exible payment plans, including:
BILLING
36
10-PAY
4 - PAY
2- PAY
ANNUAL
MONTHLY SELF-REPORTING FOR WORKERS’ COMPENSATION
With our convenient system of monthly reporting, a customer’s monthly premium is based
on actual payroll from the previous month. Premiums are in proportion to the actual amount
of work in progress, eliminating large unexpected audits.
Here’s how it works:
• Customers pay the 15% deposit* plus the expense constant when submitting their application.
• Each month, customers log in to buildersmutual.com and enter their payroll. Premium due is
automatically calculated, ensuring payment of the exact amount owed.
• If paper is preferred, customers manually calculate their payroll and mail their report. Payments
can be accepted via check, through our Customer Contact Center (800-809-4859), or online.
*The 15% deposit is adjusted when policy estimates are adjusted and is retained only to apply toward premium in the event
of termination. Once policyholders complete their second year with us, we no longer require a deposit. Money classifi ed as
“deposit” will be applied as “premium” at renewal in the fi rst month of the third year.
BILLING
Builders Online Business makes billing easy. Your policyholders can register to use our
online platform by visiting buildersmutual.com/policyholders. After creating a user ID
and password, they can:
• Pay bills
• Register for Auto-draft
• Enter workers’ comp monthly payroll
• View policy documents
• Enroll to Go Paperless
NOTE Policyholders may ONLY change payment plans at policy renewal.
37
ONLINE TOOLS
POLICYHOLDER
SERVICES
ABOUT US COMPLETE
COVERAGE BILLING AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
POLICYHOLDER
SERVICES
POLICYHOLDER
SERVICES
POLICYHOLDER
SERVICES
ABOUT US COMPLETE
COVERAGE BILLING AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
CLAIMS
To Report a Claim
Call 800-809-4862 to be connected with a representative.
Email noticeofl oss@bmico.com
Fax 919-227-0204
Visit the Builders Mutual Claims Center at buildersmutual.com/claims
to report a claim online.
State-specifi c claims forms are also available in the Claims Center.
To Manage Claims
Call Claims Support 800-809-4861
SERVICES
CUSTOMER CONTACT CENTER
Builders Mutual’s Customer Contact Center is available Monday through Friday,
8 a.m. to 6 p.m. EST. When you call 800-809-4859, a trained Customer Service
Representative will serve as a central point of contact for all your basic agency and
customer inquiries, including:
We now have an express payment line for policyholders and agents who want to
quickly make payments by phone.
• Audit information
• Billing inquiries
• Commissions
• Dividends
• HBA membership requirements
• Payments
• Policy documents
• Status of policy changes
RISK MANAGEMENT
Customers can depend on Builders Mutual Risk Management experts to:
• Discuss their operations during a job-site safety visit and help them identify
possible risks and exposures
• Recommend straightforward, easy-to-implement solutions to minimize
losses and promote OSHA compliance
• Demonstrate proper usage of safety equipment
• Partner with customers to develop a safety or education program tailored
to their company’s needs
Risk Management Consultants are assigned according to the county in which the policy
is written and can be located using the “Find a Risk Management Consultant” tool on
buildersmutual.com.
40
SERVICES
Risk Management Online Resources
Builders Mutual maintains a robust collection of online resources to help customers develop
a culture of safety. Customers can visit buildersmutual.com/RM to access:
WORKSAFE
Statistically, new employees, especially those who have been on the job for less than six
months, have a greater chance of being exposed to a serious injury or fatal accident. This is
why it is essential that employers provide workers with basic safety training before they ever
step foot on a job-site.
To promote a culture of safety, Builders Mutual developed WorkSafe, a compact but critical
introduction to best practices on the job-site. Whether customers have one new employee
or a small group of workers starting, training materials are available to educate, review, and
sign off on the eight key topics that every employee should know BEFORE stepping on the
job-site. Download these materials at buildersmutual.com/worksafe.
Short safety talks that can be discussed in regularly
scheduled safety meetings
A series of safety videos available to watch from the
convenience of a mobile device, tablet, or larger monitor
Includes Accident Report and Investigation Forms,
Job-site Inspection Forms, Drug and Alcohol Policy
Forms, and sample Subcontractor Agreements
Links to industry safety resources, including the
National Safety Council and Occupational Safety
and Health Administration (OSHA)
Sample safety modules available to help customers develop a
detailed Safety Program that addresses specifi c work-related
hazards, as well as hazards that could result from a change in
practice or conditions on the job-site
TOOLBOX TALKS
TOOLBOX
VIDEO TALKS
SAFETY POLICY
SAFETY LINKS
SAFETY
PROGRAM
41
POLICYHOLDER
SERVICES
ABOUT US COMPLETE
COVERAGE BILLING AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
PREMIUM AUDIT
Each year, Workers’ Compensation and General Liability account(s) are audited. With a little
advanced planning and Builders Mutual by your side, premium audits can be simple. As part
of our dedication to providing our policyholders with the best service possible, we want them
to be prepared with the proper records and a thorough understanding of the process, making
their premium audit as effi cient as possible.
We have assembled all the tools our policyholders need to prepare for their audit.
Customers can visit buildersmutual.com/audit to access these resources:
TIP
Classifi cations are made based on job duties and exposures, not job title.
Remember, only the workers on the job-site can have their time broken out into
more than one classifi cation. For more helpful tips, review our Audit Prep kit at
buildersmutual.com/auditkit.
Call the Customer Contact Center at 800-809-4859
Email us at audits@bmico.com
Visit buildersmutual.com/audit and click on Find an Auditor for contact information
for Builders Mutual auditors in your area
SERVICES
43
At Builders Mutual, our industry experts are our most valuable asset. When you have an
Audit question, reach out to us for an answer:
A comprehensive tool to help policyholders learn what records to
provide, ideas on organizing records, retention guidelines for certain
records, insight into common audit questions on remuneration and
class codes, and tips on working with subcontractors.
Links to useful audit resources, including Workers’ Compensation
monthly self-reporting FAQ’s and worksheet instructions, state-
specifi c coverage verifi cation links, and Builders Mutual sample
subcontractor agreements.
AUDIT PREP KIT
PREMIUM AUDIT
LINKS
SERVICES
Builders Mutual created Builders University
®
to help strengthen our customers’
safety programs and address risks that impact their profi ts. We offer a variety
of standard courses as well as the knowledge and expertise to create custom
classes that meet our customers’ needs. Some of our core classes include:
• OSHA 10- and 30-hour Construction Industry Safety Courses
• Fall Protection
• WorkSafe 101: Best Practices for Hiring and Job-Site Safety Training
• Driver Safety
• Preparing for your Workers’ Comp and General Liability Audits
Visit buildersmutual.com/BU for details.
BUILDERS MUTUAL BLOG
The Builders Mutual blog was created as a resource to share our knowledge
and expertise with policyholders, agents and those in the construction
industry. We utilize our own employee industry experts to produce original
articles focused on current industry topics, safety and small business initiatives.
Article topics range from safety and cybersecurity to hiring and training
employees.
For the latest construction trends and industry news visit
blog.buildersmutual.com.
42
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
POLICYHOLDER
SERVICES
ABOUT US COMPLETE
COVERAGE BILLING
AGENT
SERVICES
AGENT SERVICES
POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US COMPLETE
COVERAGE BILLING
AGENT SERVICES
Builders Mutual values our
independent agency partners.
We are always looking for ways
to improve your experience
and provide tools to help you
manage your accounts and grow
your business.
46
AGENT SERVICES
Our online platform allows you to quote, sell, and service policies with ease.
There are several online tools available to help you better manage your overall
account with Builders Mutual.
Access to Builders Online Business is only available to agents actively appointed with
Builders Mutual. Visit buildersmutual.com/agents to register for access or to log in and get
started on these features:
Quote and Manage Policies
Rate, quote, issue, and service your policies. In this section, you can also:
• Upload Workers’ Compensation policies with AMS360, Sagitta, Applied, and
IVANS Transformation Station.
• Message with your Underwriter on specifi c quotes.
• Pay new business, installments, and renewals. When submitting payments,
remember to use these forms:
- New Business Premium Allocation form
- One-Time Payment Authorization form
• Service all of your policies in one place with policy, billing, and claims inquiry.
Most frequently accessed resources are available on the Agent Landing page:
Trade Contractor Program
Eligibility and state-specifi c rates
for our General Liability Trade
Contractor Program.
Appetite Guide
General list of our appetite for
business classes in workers’ comp,
GL (including trade), commercial
auto, and property.
Quick Reference Guide
Electronic version of Agent Quick
Reference Guide.
My Agency Snapshot
Review a detailed report of your agency’s book of business with prior-month or prior-year fi gures.
My Producer Listing
View your agency’s appointed producers and see resident and non-resident status.
My HBA Expressway (NC only)
Review membership status for NC policyholders.
My Commissions
Register for electronic funds transfer (EFT) of your monthly commission payment, and access
current and prior statements. Statements are only accessible by one login ID and require an
additional personal identifi cation number (PIN).
My Claims
Submit a claim, view claim history, or review the Claims Snapshot report, which provides
your agency with a complete overview of all claims.
Agency Manual
Review this online manual that includes each state’s rules, underwriting guidelines, rates,
and forms.
Marketing Materials
Review and request customized marketing materials to promote and grow your business.
47
Training
Easily access training information
for Builders Online Business by line
of business and topic.
Agency Alerts
Most recent rate, form and product
updates.
Your Support Team
Your agency’s assigned sales and
underwriting contacts.
POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US COMPLETE
COVERAGE BILLING
AGENT SERVICES
48
AGENT OF RECORD CHANGES
New Business
Agent of Record requests on new policies must be accompanied by the following:
• Completed applications (signed by a licensed agent and the policyholder due at binding)
• Completed contractor supplement
• Currently valued loss runs for the past three years
• Agent of Record letter signed by the policyholder (not subject to a rescission period)
Renewals
Agent of Record change requests on existing policies must be accompanied by the following:
• Completed applications (signed by a licensed agent and the policyholder specifying the
policy numbers to be transferred)
• Agent of Record letter signed by the policyholder (subject to 10-day rescission period)
• Requests should be submitted no sooner than 90 days prior to the renewal date and no
later than the effective date.
• No requests will be accepted midterm. All requests will be effective at the next renewal.
SPECIAL RECOGNITION PROGRAMS
Champions Club
Champions Club recognizes our profi table partner agencies with over $750,000 in
premium. This select agent group will have access to special recognition programs,
advertising opportunities, and unique service and sales support. Champions Club
agents are announced each January and are recognized for the entire calendar year.
Agents must qualify each year to earn and maintain Champions Club status.
Builders Reserve
Builders Reserve recognizes the top individual Builders Mutual agency partners across
our market footprint. These agencies represent Builders Mutual’s “Best of the Best”
and merit an additional level of recognition and support by Builders Mutual leadership
and staff. Builders Reserve agencies are announced each January and are recognized
for the entire calendar year. Agents must qualify each year to earn and maintain
Builders Reserve status.
NOTE In MD and VA, contact your Underwriter for state-specifi c AOR guidelines.
BUILDERS UNIVERSITY AGENT PROGRAM
In 2003, Builders Mutual developed Builders University as an educational tool to
provide agents with a solid foundation of insurance knowledge for the construction
industry. Classes are offered each year in several locations across our market footprint
to build our agents’ expertise.
Builders University classes provide detailed information on insurance exposures,
exclusions, and coverages. Course materials include practical examples, case law,
policy information, and risk management instruction specifi cally for the construction
industry. Every class is free and provides 3.5 hours of continuing education (CE).*
The Certifi ed Builders Insurance Agent (CBIA) Designation was created for agency
partners that want to distinguish themselves as experts in the construction insurance
industry. Complete the 6 classes within the CBIA program and pass the CBIA exam to
earn your designation.
Learn more about upcoming classes and Builders University locations at
buildersmutual.com/AgentBU.
* Approved for CE in FL, MD, MS, NC, SC, TN, and VA unless otherwise noted.
Class length may vary according to state requirements.
CO-OP ADVERTISING PROGRAM
As a valued agency partner, we encourage you to take advantage of our Co-op
Advertising Program to market your agency in the local community. From print
advertising to promotional giveaways and event sponsorships, Builders Mutual will
cover half the cost. Signing up is easy.
1. Visit buildersmutual.com/agents/marketing_materials and review the co-branded
Marketing Materials readily available.
2. Contact the Marketing Department or email kmariani@bmico.com to request co-op
support. Prior approval is required.
3. The agency will pay for the advertisement or sponsorship in full. Builders Mutual
will reimburse the agency 50% of the total advertising cost (up to a specifi c dollar
amount per calendar year).
Additional incentives are available for Builders Reserve and Champions Club agencies.
AGENT SERVICES
49
POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US COMPLETE
COVERAGE BILLING
32
HBA
MEMBERSHIP
HBA MEMBERSHIP
POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US COMPLETE
COVERAGE BILLING
HBA MEMBERSHIP (NC ONLY)
When North Carolina contractors choose to insure with Builders
Mutual, we require that they join and maintain a membership in a
local North Carolina HBA. This requirement stems back to our roots
and strong ties with the NCHBA, demonstrating our long-lasting
commitment to the construction industry.
In the early 1980s, builders in North Carolina had diffi culty accessing
affordable Workers’ Compensation insurance. For this reason, the
North Carolina Home Builders Association (NCHBA) established a self-
insured fund for its members. When it was created, HBA membership
was a key requirement for all policyholders. Nearly 15 years later, the
fund evolved into an independent mutual insurance company, and
Builders Mutual was born.
Over the years, we have expanded into additional states and
established partnerships with various industry associations. However,
we never lose sight of our roots. Builders Mutual remains exclusively
dedicated to the construction industry, and we understand the value
of an HBA membership. Builders Mutual is actively involved with the
HBA – from participating in legislative initiatives in our nation’s Capital,
to grassroots community outreach. We were founded by members,
and we’re here to insure eligible members.
Builders Mutual requires
HBA Membership for
North Carolina Policyholders
52
HBA MEMBERSHIP: IT’S NOT A CLUB.
IT’S A COMMITMENT TO YOUR INDUSTRY.
HBA Expressway
Builders Mutual tracks membership through an online system called My HBA Expressway.
The Expressway allows local HBAs across the state to log in and audit our NC policyholders.
Each NC agency has access to the Expressway as well. When you log in and click on My HBA
Expressway, you can:
• View your policyholder’s HBA payment status
• Chat with Builders Mutual and the HBA through a unique messaging system
How does it work?
1. The local HBA notifi es Builders Mutual when the policyholder’s membership status is
unpaid, as early as the day following inception. This occurs when the policyholder has not
paid renewal dues or fails to join as a new member once the new policy is active.
2. When the policyholder is marked unpaid, the producer assigned to the account receives
an email. This email alerts the producer that the policyholder has unpaid dues.
• After 14 days, if the dues remain unpaid, Builders Mutual will mail a courtesy letter to
the policyholder. This letter alerts the policyholders that they have 30 days to comply
before their policy is in jeopardy of cancellation. The producer receives a copy of the
courtesy letter via email.
• After 30 days, if the dues remain unpaid, Builders Mutual begins the process to
cancel the policy mid-term.
A complete list of North Carolina local HBA chapters and their contact info
is available on buildersmutual.com.
HBA MEMBERSHIP (NC ONLY)
53
From networking and leads, to a voice representing contractors in the industry, to
tangible savings and rebates, there is more to member benefi ts than just Builders Mutual.
Visit buildersmutual.com/partnerships to learn more.
It is extremely important that our agents communicate the HBA membership
requirement to NC policyholders to create a positive customer experience.
When our agents proactively explain the HBA requirement and sell the value of
the HBA membership, we mitigate policyholder frustration and ultimately avoid
policy cancellation for non-payment of HBA dues.
BILLING POLICYHOLDER
SERVICES
AGENT
SERVICES
HBA MEMBERSHIP
(NC ONLY)
ABOUT US COMPLETE
COVERAGE
PO Box 150005 Raleigh, NC 27624 | 800-809-4859 | buildersmutual.com STAY CONNECTED blog.buildersmutual.com
